Insurance Denials/Bad Faith Information, News & Blogs
How to Avoid a Life Insurance Policy Lapse
Life insurance companies are notorious for allowing policies to lapse because the policyholder forgot to pay a few premiums. People become more forgetful as they age or become ill or injured, which is precisely when they need their life insurance the most. If you’re worried about your life insurance coverage lapsing, or if you’re… Read More »
McHugh v. Protective Life Insurance Company
The Impact of McHugh V. Protective Life Insurance Company One Year Later
Attorney Robert Gianelli was recently interviewed for an article discussing the impact of the California Supreme Court’s decision in McHugh v. Protective Life Insurance Company. That decision ruled that California Insurance Code sections 10113.71 and 10113.72, dealing with an insurance company’s obligations… Read More »
Tips For Handling a Lapsed Life Insurance Policy
If you miss your premium payments, the life insurance company might let your policy lapse. Many people forget to make a payment or two, especially if they reach advanced age or become ill/injured; unfortunately, that’s also when circumstances are most likely to trigger the need for policy benefits. If you missed premium payments and… Read More »
Denied Claim Due to Policy Lapse: What to Do
Insurance companies are more than happy to collect policy premiums for the entire life of a policyholder and then terminate the policy just when the policyholder actually needs it. This is especially true in the life insurance industry: When people get injured or elderly, they often forget to pay their bills. The insurance company… Read More »
Does an Insurance Company Need to Deny a Claim to Be Liable for Bad Faith Damages?
Insurance companies are beholden to the policies they issue as well as to state and federal law. If a policyholder makes a valid claim under the policy, the insurer must pay out coverage in accordance with the policy terms. If an insurer refuses to pay, the beneficiary or policyholder can file an appeal and,… Read More »
How Insurers Are Able to Deny Legitimate Life Insurance Claims
Life insurance companies make their money by collecting premium payments, not by paying out on claims. This can lead them to look for any justification to deny a claim–whether that reason is justified or fabricated. Under certain circumstances, an otherwise legitimate claim can be legally denied. However, even if the life insurance company rests… Read More »
Top Ways Insurers Commit Bad Faith in Denying Insurance Claims
California law requires insurance companies to engage in “good faith and fair dealing” when evaluating policyholder and beneficiary claims. Insurance companies that violate the notions of good faith and fair dealing by engaging in underhanded tactics in order to deny or undervalue claims are liable not only for the amounts due under the policy… Read More »
Who Can Sue and Who May Be Sued for Bad Faith Insurance?
Insurance companies are notorious for putting profits over people. Just about every major insurance company has been sued or otherwise complained about for rejecting valid claims, unjustifiable delays, bullying policyholders, paying less than the value of the claim leaving the policyholder responsible for paying the balance of claims to providers, and other unscrupulous conduct…. Read More »
Life Insurance Companies Take Advantage of Public Servants, Deny Coverage
Employees of a private company or public entity typically rely on their employer to provide insurance coverage. Government employment, in particular, is sought-after specifically because of the insurance benefits. Unfortunately, public entities are not always the best advocates for their employees. Insurance companies have been known to offer sweetheart deals to public employers to… Read More »
Tips to Appeal a Standard Life Insurance Company Claim Denial
Standard Insurance Company, a.k.a. Standard Life Insurance Company (Standard Life), is a massive insurance company that provides policies covering more than eight million people across the country. As we’ve discussed in the past, Standard Life has a history of wrongfully denying life insurance coverage in California and elsewhere. If you have had your life… Read More »
